Uti Banking And Financial Services Fund Datagrid
Category Banking and Financial Fund
BMSMONEY Rank 8
Rating
Growth Option 16-01-2026
NAV ₹199.15(R) +0.35% ₹228.14(D) +0.36%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 20.18% 16.42% 15.01% 11.37% 13.88%
Direct 21.43% 17.64% 16.26% 12.54% 15.1%
Nifty Financial Services TRI 21.14% 15.27% 13.52% 13.9% 16.83%
SIP (XIRR) Regular 16.1% 15.82% 15.13% 15.21% 12.76%
Direct 17.32% 17.04% 16.35% 16.43% 13.92%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.75 0.43 0.77 1.83% 0.1
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
12.33% -10.87% -10.0% 0.94 8.22%
Fund AUM As on: 30/06/2025 1277 Cr
Top Banking and Financial Fund
Fund Name Rank Rating
Sbi Banking & Financial Services Fund 1
Invesco India Financial Services Fund 2
Mirae Asset Banking and Financial Services Fund 3

NAV Date: 16-01-2026

Scheme Name NAV Rupee Change Percent Change
UTI Banking and Financial Services Fund - Regular Plan - IDCW 77.51
0.2700
0.3500%
UTI Banking and Financial Services Fund - Direct Plan - IDCW 89.29
0.3200
0.3600%
UTI Banking and Financial Services Fund - Regular Plan - Growth Option 199.15
0.7000
0.3500%
UTI Banking and Financial Services Fund - Direct Plan - Growth Option 228.14
0.8200
0.3600%

Review Date: 16-01-2026

Beginning of Analysis

Uti Banking And Financial Services Fund is the 7th ranked fund in the Banking and Financial Services Fund category. The category has total 14 funds. The 3 star rating shows an average past performance of the Uti Banking And Financial Services Fund in Banking and Financial Services Fund. The fund has a Jensen Alpha of 1.83% which is higher than the category average of 1.54%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.75 which is lower than the category average of 0.77.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Banking and Financial Services Mutual Funds are ideal for aggressive investors seeking high returns by investing in the banking and financial services sector. These funds offer targeted exposure to banks, NBFCs, insurance companies, and other financial institutions, allowing investors to capitalize on the growth potential of this sector. However, they carry higher risks due to their concentrated exposure and are heavily dependent on the performance of the BFSI sector and macroeconomic factors. Investors should have a long-term investment horizon, a high risk tolerance, and a good understanding of the banking and financial services sector before investing in these funds. Additionally, monitoring economic trends and regulatory changes is crucial for success.

Uti Banking And Financial Services Fund Return Analysis

The Uti Banking And Financial Services Fund has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Banking and Financial Services Fund peers and the Nifty Financial Services TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Banking and Financial Services Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of 1.7%, 2.16 and 3.58 in last one, three and six months respectively. In the same period the category average return was 2.05%, 3.53% and 4.46% respectively.
  • Uti Banking And Financial Services Fund has given a return of 21.43% in last one year. In the same period the Nifty Financial Services TRI return was 21.14%. The fund has given 0.29% more return than the benchmark return.
  • The fund has given a return of 17.64% in last three years and rank 10th out of 14 funds in the category. In the same period the Nifty Financial Services TRI return was 15.27%. The fund has given 2.37% more return than the benchmark return.
  • Uti Banking And Financial Services Fund has given a return of 16.26% in last five years and category average returns is 17.01% in same period. The fund ranked 9th out of 12 funds in the category. In the same period the Nifty Financial Services TRI return was 13.52%. The fund has given 2.74% more return than the benchmark return.
  • The fund has given a return of 15.1% in last ten years and ranked 10th out of 11 funds in the category. In the same period the Nifty Financial Services TRI return was 16.83%. The fund has given 1.73% less return than the benchmark return.
  • The fund has given a SIP return of 17.32% in last one year whereas category average SIP return is 20.08%. The fund one year return rank in the category is 17th in 21 funds
  • The fund has SIP return of 17.04% in last three years and ranks 10th in 14 funds. Sbi Banking & Financial Services Fund has given the highest SIP return (22.48%) in the category in last three years.
  • The fund has SIP return of 16.35% in last five years whereas category average SIP return is 17.05%.

Uti Banking And Financial Services Fund Risk Analysis

  • The fund has a standard deviation of 12.33 and semi deviation of 8.22. The category average standard deviation is 12.48 and semi deviation is 8.56.
  • The fund has a Value at Risk (VaR) of -10.87 and a maximum drawdown of -10.0. The category average VaR is -13.08 and the maximum drawdown is -10.57. The fund has a beta of 0.91 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Banking and Financial Services Fund Category
  • Good Performance in Banking and Financial Services Fund Category
  • Poor Performance in Banking and Financial Services Fund Category
  • Very Poor Performance in Banking and Financial Services Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty Financial Services TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.61 0.50
    1.93
    		0.09 | 4.45 13 | 21 Average
    3M Return % 1.89 0.56
    3.18
    		-1.30 | 7.68 17 | 21 Average
    6M Return % 3.05 2.61
    3.75
    		-0.38 | 7.46 15 | 21 Average
    1Y Return % 20.18 21.14
    20.17
    		14.30 | 27.43 12 | 21 Good
    3Y Return % 16.42 15.27
    16.80
    		12.13 | 21.33 10 | 14 Average
    5Y Return % 15.01 13.52
    15.66
    		12.83 | 19.85 9 | 12 Average
    7Y Return % 11.37 13.90
    13.74
    		11.37 | 16.42 11 | 11 Poor
    10Y Return % 13.88 16.83
    15.76
    		11.85 | 18.69 10 | 11 Poor
    15Y Return % 11.14 14.35
    13.33
    		11.14 | 14.82 5 | 5 Average
    1Y SIP Return % 16.10
    18.46
    		8.94 | 32.45 14 | 21 Average
    3Y SIP Return % 15.82
    16.11
    		10.73 | 21.17 9 | 14 Average
    5Y SIP Return % 15.13
    15.70
    		12.03 | 18.61 8 | 12 Average
    7Y SIP Return % 15.21
    16.06
    		13.34 | 18.28 7 | 11 Average
    10Y SIP Return % 12.76
    14.39
    		11.26 | 16.80 10 | 11 Poor
    15Y SIP Return % 12.36
    14.65
    		12.36 | 15.96 5 | 5 Average
    Standard Deviation 12.33
    12.48
    		10.95 | 13.21 6 | 14 Good
    Semi Deviation 8.22
    8.56
    		7.52 | 9.22 2 | 14 Very Good
    Max Drawdown % -10.00
    -10.57
    		-13.67 | -8.58 7 | 14 Good
    VaR 1 Y % -10.87
    -13.08
    		-16.76 | -10.85 2 | 14 Very Good
    Average Drawdown % -4.37
    -4.19
    		-5.15 | -3.48 11 | 14 Average
    Sharpe Ratio 0.75
    0.77
    		0.45 | 1.09 8 | 14 Good
    Sterling Ratio 0.77
    0.77
    		0.51 | 1.04 8 | 14 Good
    Sortino Ratio 0.43
    0.42
    		0.25 | 0.59 8 | 14 Good
    Jensen Alpha % 1.83
    1.54
    		-3.40 | 6.88 6 | 14 Good
    Treynor Ratio 0.10
    0.10
    		0.06 | 0.15 6 | 14 Good
    Modigliani Square Measure % 14.89
    15.10
    		10.84 | 19.35 8 | 14 Good
    Alpha % 2.11
    2.92
    		-2.09 | 7.49 9 | 14 Average
    Return data last Updated On : Jan. 16, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty Financial Services TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.70 0.50 2.05 0.17 | 4.57 14 | 21 Average
    3M Return % 2.16 0.56 3.53 -1.08 | 8.04 17 | 21 Average
    6M Return % 3.58 2.61 4.46 0.05 | 8.31 15 | 21 Average
    1Y Return % 21.43 21.14 21.79 15.29 | 29.46 12 | 21 Good
    3Y Return % 17.64 15.27 18.24 13.01 | 22.94 10 | 14 Average
    5Y Return % 16.26 13.52 17.01 13.72 | 20.81 9 | 12 Average
    7Y Return % 12.54 13.90 14.99 12.54 | 17.89 11 | 11 Poor
    10Y Return % 15.10 16.83 17.04 13.25 | 20.02 10 | 11 Poor
    1Y SIP Return % 17.32 20.08 9.89 | 34.56 17 | 21 Average
    3Y SIP Return % 17.04 17.54 11.62 | 22.48 10 | 14 Average
    5Y SIP Return % 16.35 17.05 12.92 | 20.19 8 | 12 Average
    7Y SIP Return % 16.43 17.36 14.24 | 19.83 8 | 11 Average
    10Y SIP Return % 13.92 15.65 12.67 | 18.12 10 | 11 Poor
    Standard Deviation 12.33 12.48 10.95 | 13.21 6 | 14 Good
    Semi Deviation 8.22 8.56 7.52 | 9.22 2 | 14 Very Good
    Max Drawdown % -10.00 -10.57 -13.67 | -8.58 7 | 14 Good
    VaR 1 Y % -10.87 -13.08 -16.76 | -10.85 2 | 14 Very Good
    Average Drawdown % -4.37 -4.19 -5.15 | -3.48 11 | 14 Average
    Sharpe Ratio 0.75 0.77 0.45 | 1.09 8 | 14 Good
    Sterling Ratio 0.77 0.77 0.51 | 1.04 8 | 14 Good
    Sortino Ratio 0.43 0.42 0.25 | 0.59 8 | 14 Good
    Jensen Alpha % 1.83 1.54 -3.40 | 6.88 6 | 14 Good
    Treynor Ratio 0.10 0.10 0.06 | 0.15 6 | 14 Good
    Modigliani Square Measure % 14.89 15.10 10.84 | 19.35 8 | 14 Good
    Alpha % 2.11 2.92 -2.09 | 7.49 9 | 14 Average
    Return data last Updated On : Jan. 16, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Uti Banking And Financial Services Fund NAV Regular Growth Uti Banking And Financial Services Fund NAV Direct Growth
    16-01-2026 199.1509 228.1389
    14-01-2026 198.4466 227.3186
    13-01-2026 198.3794 227.2349
    12-01-2026 198.0546 226.8561
    09-01-2026 197.7376 226.473
    08-01-2026 199.864 228.9016
    07-01-2026 201.0386 230.24
    06-01-2026 201.4573 230.7127
    05-01-2026 200.7098 229.8499
    02-01-2026 200.4537 229.5362
    01-01-2026 198.8356 227.6767
    31-12-2025 198.3476 227.1111
    30-12-2025 196.655 225.1664
    29-12-2025 196.2846 224.7357
    26-12-2025 197.0734 225.6191
    24-12-2025 197.5469 226.1482
    23-12-2025 197.8007 226.4323
    22-12-2025 197.2492 225.7944
    19-12-2025 196.4782 224.8924
    18-12-2025 195.555 223.8293
    17-12-2025 195.483 223.7404
    16-12-2025 195.9942 224.3191

    Fund Launch Date: 02/Jan/2003
    Fund Category: Banking and Financial Fund
    Investment Objective: The objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies/ institutions engaged in the banking and financial services activities. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved.
    Fund Description: An open ended equity scheme investing in Banking and Financial Services Sector
    Fund Benchmark: Nifty Financial Services
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.